For anyone who uses the HSBC banking app it works, also Android Pay seems to work as well, not really had many issues so far, although geekbench pulled back a single core result of 390 haha.
S20 ultra Exynos.
I changed from o2u (O2 UK) to BTU (unbranded UK) just to get quicker updates, the unbranded versions will always get updates quicker as they have no carrier checks.
So i can just download the BTU updated software (currently on O2's software) and it'll work fine? I have been out of the android game for so long wow haha